CAMS인기덤프문제100%합격보장가능한최신덤프자료

Fast2test CAMS 최신 PDF 버전 시험 문제집을 무료로 Google Drive에서 다운로드하세요: https://drive.google.com/open?id=1LlTBBo-wTxDEaSNSg_z7Wxo3BkpiBOOA

ACAMS 인증 CAMS시험에 도전해보려고 결정하셨다면 Fast2test덤프공부가이드를추천해드립니다. Fast2test덤프는 고객님께서 필요한것이 무엇인지 너무나도 잘 알고 있답니다. Fast2test의 ACAMS 인증 CAMS덤프는ACAMS 인증 CAMS시험을 쉽게 만듭니다.

CAMS 인증 시험은 자금세탁 기술, AML 규제, 리스크 매니지먼트 및 컴플라이언스와 관련된 다양한 주제를 다룹니다. 이 시험은 이론적 지식과 실무 기술 모두를 테스트하도록 설계되었으며, AML 개념을 실제 시나리오에 적용할 수 있는 능력을 보여줄 수 있어야 합니다. 시험은 120개의 객관식 문항으로 이루어져 있으며, 시험 응시자는 4시간 동안 시험을 마쳐야 합니다. CAMS 인증 시험을 응시하기 위해서는, 응시자는 최소 40시간의 AML 교육 또는 동등한 경험을 갖추어야 하며, 또한 범죄 경력 조사를 통과해야 합니다. CAMS 인증을 획득함으로써, 전문가들은 AML 분야에서의 경력을 쌓을 수 있으며, 최고의 AML 준수 기준을 준수하는 것을 입증할 수 있습니다.

>> CAMS인기덤프문제 <<

CAMS유효한 덤프문제, CAMS참고덤프

여러분이 어떤 업계에서 어떤 일을 하든지 모두 항상 업그레이되는 자신을 원할 것입니다.,it업계에서도 이러합니다.모두 자기자신의 업그레이는 물론 자기만의 공간이 있기를 바랍니다.전문적인 IT인사들은 모두 아시다싶이ACAMS CAMS인증시험이 여러분의 이러한 요구를 만족시켜드립니다.그리고 우리 Fast2test는 이러한 꿈을 이루어드립니다.

CAMS 시험은 자금세탁과 테러자금 조달 방법, 규제 프레임워크, 위험평가, 적정성 심사 및 제재 준수 등 다양한 주제를 다룹니다. 이 시험은 3.5시간 안에 완료해야 하는 120개의 객관식 문항으로 구성되어 있습니다. 후보자는 CAMS 자격증 획득을 위해 75% 이상의 합격점수를 달성해야 합니다. 이 자격증은 AML 분야에서 지속적인 전문 개발 및 교육 과정을 수료하며 3년마다 갱신하여야 합니다. 전반적으로, CAMS 자격증은 자금세탁과 테러자금 조달과의 전투에서 지식과 전문성을 향상시키고자 하는 금융 산업 전문가들에게 필수적인 자격증입니다.

최신 CAMS Certification CAMS 무료샘플문제 (Q40-Q45):

질문 # 40
Combating the Financing of Terrorism (CFT)]
Which are essential elements of a KYC program identified by the Basel Committee on Banking Supervision?
(Select Two.)

A. Customer acceptance policy
B. Code of conduct
C. Risk appetite
D. Internal control
E. Risk management

정답：A,E

설명：
According to the Basel Committee on Banking Supervision (BCBS), a sound KYC program should consist of four essential elements: (i) customer acceptance policy; (ii) customer identification; (iii) on-going monitoring of higher risk accounts; and (iv) risk management. Therefore, B and D are the correct choices among the given options. A customer acceptance policy defines the types of customers that the bank is willing to accept and the conditions for doing so. A risk management system ensures that the bank has adequate policies, procedures, and controls to identify, measure, monitor, and mitigate the risks arising from its KYC program.
References:
BCBS, Customer due diligence for banks, October 2001, p. 41
BCBS, Consolidated KYC Risk Management, October 2004, p. 42

질문 # 41
To ensure that an institution's anti-money laundering program is current, which step should be taken?

A. The program should be reviews by a federal law enforcement officer for gaps in controls
B. The program should be sent to the institution's government regulator on a periodic basis
C. The program should be evaluated and updated at least every six months be the Board of Directors
D. The program should be reassessed at least annually

정답：D

설명：
According to the Anti-Money Laundering Specialist (the 6th edition) by ACAMS, an institution's anti-money laundering program should be reassessed at least annually to ensure that it is current, effective, and compliant with the applicable laws and regulations. The reassessment should include a review of the institution's risk assessment, policies and procedures, internal controls, training, and independent testing. The reassessment should also consider any changes in the institution's products, services, customers, geographic locations, or business environment that may affect its exposure to money laundering and terrorist financing risks1.
The other options are not consistent with the best practices of maintaining an up-to-date anti-money laundering program. For example:
* The program should be evaluated and updated at least every six months by the Board of Directors.
While the Board of Directors has the ultimate responsibility for overseeing the institution's anti-money laundering program, it is not required to evaluate and update the program every six months. This may be too frequent and impractical, especially for large and complex institutions. The Board of Directors should, however, approve the program and any significant changes, and ensure that senior management implements and enforces the program effectively1.
* The program should be reviewed by a federal law enforcement officer for gaps in controls. While federal law enforcement agencies may conduct investigations or examinations of the institution's anti- money laundering program, they are not responsible for reviewing the program for gaps in controls. This is the role of the institution's internal audit function or an external independent party, who should conduct periodic testing of the program's adequacy and effectiveness1.
* The program should be sent to the institution's government regulator on a periodic basis. While the institution's government regulator may request or review the institution's anti-money laundering program as part of its supervisory or enforcement activities, the institution is not obligated to send the program to the regulator on a periodic basis. The institution should, however, report any suspicious or unusual transactions or activities to the relevant authorities, such as the Financial Crimes Enforcement Network (FinCEN) or the Office of Foreign Assets Control (OFAC)1.
Anti-Money Laundering Specialist (the 6th edition) by ACAMS

질문 # 42
Which of the following are important AML controls for a compliance manager of a regulated asset management company in the European Union to implement? (Select Two.)

A. Performing negative news checks of prospective customers
B. Inviting prospective customers for an onboarding interview
C. Understanding the source and origin of assets
D. Rejecting any politically exposed persons (PEPs) as customers
E. Producing financial stability reports on interesting customers

정답：A,C

설명：
* Understanding the source and origin of assets (C):According to the CAMS 6th Edition (Chapter:
Customer Due Diligence and Enhanced Due Diligence) and the EU 4th & 5th AML Directives, regulated entities are required to take adequate measures to understand the source of funds and the origin of assets of their customers, especially when there are higher risk factors such as large transactions or PEPs."Firms must identify the source and origin of assets to ensure they are not the proceeds of crime or corruption, particularly for higher-risk customers."(CAMS 6th Edition, CDD/EDD Requirements; EU Directive 2015/849, Article 20)
* Performing negative news checks of prospective customers (D):Adverse media screening is an essential part of the onboarding process for identifying potential risks related to money laundering, terrorist financing, or reputational harm."Negative news or adverse media checks form a vital component of the due diligence process, helping organizations detect links to criminal or suspicious activities."(CAMS
6th Edition, CDD/EDD Requirements)
Incorrect Options:
* A: Onboarding interviews may be part of EDD, but are not a standard or required AML control.
* B: PEPs are not to be automatically rejected; instead, enhanced due diligence should be applied.
* E: Producing financial stability reports is not an AML control, but may be relevant for credit or investment assessment.
References:
CAMS Study Guide 6th Edition, Customer Due Diligence
EU 4th AML Directive (Directive 2015/849/EU)
EU 5th AML Directive (Directive 2018/843/EU)

질문 # 43
A precious metals dealer opens a new account with a bank. Which requires a referral to AML Investigations for further review?

A. International outgoing wires to diamond dealers that are part of the diamond pipeline.
B. Payments received on the account reference unknown companies in the instructions.
C. International incoming payments from foreign companies in which the precious metals dealer has an established relationship.
D. Multiple daily point of sale transactions from third parties that appear to be individuals.

정답：B

질문 # 44
What should a bank focus on to ensure on-going compliance with its AML program?

A. It should ensure that the regulators have reviewed and have approved the bank's AML program
B. It should review and update its transaction monitoring system
C. It should subject all new employees to criminal background checks before being hired
D. It should ensure that it develops and provides on-going targeted training of all current and newemployees

정답：D

질문 # 45
......

CAMS유효한 덤프문제: https://kr.fast2test.com/CAMS-premium-file.html

Fast2test CAMS 최신 PDF 버전 시험 문제집을 무료로 Google Drive에서 다운로드하세요: https://drive.google.com/open?id=1LlTBBo-wTxDEaSNSg_z7Wxo3BkpiBOOA

Matt Clark Matt Clark

Biography

CAMS인기덤프문제100%합격보장가능한최신덤프자료

CAMS유효한 덤프문제, CAMS참고덤프

최신 CAMS Certification CAMS 무료샘플문제 (Q40-Q45):

Archives